PackageTrendsPeer
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Teachers

Smithtown, NY · Charter 8116

NCUA · 32 branches

Q2 2026

$9.9BAssets
$5.8BLoans
$8.2BShares
$1.1BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, down 10 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 1.19% of loans (-5 bps YoY).
  • Capital: net worth / assets of 11.03%, up 51 bps from a year ago.
  • Funding: loans stand at 70.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+37 bps YoY

Efficiency Ratio (YTD, annualized)

61.00%+246 bps YoY

Net Worth / Assets

11.03%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.95%0.82%1.02%0.89%-10 bps
Return on Equity9.41%8.88%7.78%9.41%8.04%-137 bps
Net Interest Margin2.76%2.79%2.83%3.05%3.12%+37 bps
Efficiency Ratio58.53%59.40%60.42%61.69%61.00%+246 bps
Growth
Asset Growth (YoY)0.36%0.84%0.59%0.52%0.37%+1 bps
Loan Growth (YoY)-9.92%-10.66%-6.09%-4.52%2.31%+1,223 bps
Share Growth (YoY)2.63%3.74%-0.11%-0.73%-0.25%-288 bps
Asset Quality
Delinquent Loans / Loans1.24%1.21%1.29%1.19%1.19%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.51%10.71%10.58%10.81%11.03%+51 bps
Net Worth / Assets10.51%10.71%10.58%10.81%11.03%+51 bps
Liquidity & Funding
Loans / Shares69.14%68.50%69.87%69.37%70.91%+177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps